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• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one

• About your health condition, illnesses or disabilities

  You have a chance to say more about your illness or disability when you send back your capability for work questionnaire (ESA50 form

• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• While you're on Universal Credit

  Overview and content list for while you're on Universal Credit. Check how much you can get, reporting self-employed earnings and getting a budgeting advance

• Cold called by a debt management plan provider

  How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• Challenge your redundancy

  Check if you have a good reason to challenge your redundancy. Find out how to negotiate with your employer, get mediation, and take legal action